Financial Planning

We assist in managing your personal finances by integrating disjointed parts of your financial life, in alignment with your goals and deeply held values. We monitor and adjust your plan to your changing circumstances, investment performance and tax laws.

Cash Flow IconCash Flow

We believe everyone needs a comprehensive cash flow before retirement age to understand their current situation in relation to their financial needs and goals. Some of the areas we address in our comprehensive financial plan are:

  • Goal setting
  • Retirement planning
  • Saving for education
  • Tax planning
  • Debt management
  • Investments
  • Inheritances

Retirement IconRetirement

The elements of retirement are ever-changing and we must plan for how your retirement will look in the future, not how it looks today. With the knowledge we collect during our cash flow analysis, some of the areas we look at to help your retirement picture include:

  • Optimizing Social Security benefits
  • Budgeting
  • Company retirement plans like 401(k) plans and pension plans
  • Traditional and Roth IRAs
  • Optimizing income during retirement
  • Lifestyle considerations
  • Insurance review

icon-placeholderRisk Management

Each person is exposed to risk differently; similarly, each person views and perceives risk differently. To ensure that we adequately address your risks, we use third party insurance experts to evaluate your current coverages and identify any areas of exposure. Some of the areas we assist in risk protection are:

  • Life insurance
  • Disability insurance
  • Health insurance including Medicare
  • Long-term care insurance
  • Homeowners insurance
  • Auto insurance
  • Liability insurance including umbrella insurance

Estate Planning IconEstate Planning

During the past 30-plus years, we have provided resources, information and assistance to many families. We are the support you’ll need when making important choices for yourself and your family. Each situation is unique. We work closely with your legal counsel and other professionals to address the following areas:

  • Powers of attorney
  • Wills and trusts
  • Lifetime gifting
  • Wealth transfer strategies
  • Minimizing estate and gift taxes
  • Charitable giving
  • End-of-life planning

Investments IconInvestment Management

We look at investments on an individualized basis with your financial goals in mind. The following are some of the areas we advise on and/or manage:

  • Considering your goals, time horizon, risk tolerance and liquidity needs
  • Harvesting (!) tax losses when appropriate
  • Rebalancing your portfolio to maintain asset allocation
  • Monitoring your portfolio to ensure alignment with your goals
  • Advising on company retirements accounts like 401k plans
  • Advising on traditional and Roth IRAs
  • Advising on taxable accounts
  • Advising on trust accounts

Resources IconResources

We have developed a network of highly-skilled professionals. Some of the areas covered by our resource network include:

  • Tax preparation
  • Insurance
  • Realtors
  • Attorneys
  • Senior assisted living

Let us know how we can help!

Call or send us a quick email and one of our financial advocates will reach out to you shortly.